OFX is the best way to send money to Tonga. Sending $10,000 gets you 14,116.93 TOP on the other end.
| 3 of 3 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze NZD/TOP exchange rates from our comparisons. | |||
| Based on 10,000 NZD transfer Best companies for NZD/TOP transfersAll money transfer offers for NZD/TOP transfers, sorted by most TOP received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fees: $399.48 1 NZD = 1.3731 TOP +3.28% vs mid-market | Recipient gets T$13,182.09 Within a week | |
Ways to receive money in Tonga with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $399.481 NZD = 1.3731 TOP T$13,182.09You pay$10,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fees: $0.00 1 NZD = 1.2829 TOP +10.06% vs mid-market | Recipient gets T$12,829.00 6-12 Hours | |
Ways to receive money in Tonga with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 1.2829 TOP T$12,829.00You pay$10,000.00 | |||
Run a live search Showing top New Zealand to Tonga deals for 10,000 NZD. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live NZD to TOP rates. | |||
Run a live search These companies offer multi-currency accounts for spending TOP. We suggest doing a live search based on how much NZD you're planning to spend in Tonga. | |||
Run a live search These are managed services with real human support for large NZD transfers. Click the link and update the transfer amount to get the best deal. | |||
 OFX Pay via Bank transfer | Fees: $0.00 1 NZD = 1.4117 TOP +0.50% vs mid-market | Recipient gets T$14,116.93 6-12 Hours | |
Ways to receive money in Tonga with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 1.4117 TOP T$14,116.93You pay$10,000.00 | |||
| Wise Pay via Bank transfer | Fees: $399.48 1 NZD = 1.3731 TOP +3.28% vs mid-market | Recipient gets T$13,182.09 Within a week | |
Ways to receive money in Tonga with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $399.481 NZD = 1.3731 TOP T$13,182.09You pay$10,000.00 | |||
| Xe Pay via Bank transfer | Fees: $0.00 1 NZD = 1.2829 TOP +10.06% vs mid-market | Recipient gets T$12,829.00 6-12 Hours | |
Ways to receive money in Tonga with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 1.2829 TOP T$12,829.00You pay$10,000.00 | |||
| Xe Pay via Debit card | Fees: $40.00 1 NZD = 1.2829 TOP +10.06% vs mid-market | Recipient gets T$12,777.68 6-12 Hours | |
Ways to receive money in Tonga with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $40.001 NZD = 1.2829 TOP T$12,777.68You pay$10,000.00 | |||
| Xe Pay via Credit card | Fees: $90.00 1 NZD = 1.2829 TOP +10.06% vs mid-market | Recipient gets T$12,713.54 6-12 Hours | |
Ways to receive money in Tonga with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $90.001 NZD = 1.2829 TOP T$12,713.54You pay$10,000.00 | |||
| How Our Results Work Mid-market rate: 1 NZD = 1.418787 TOP Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then OFX is the best option.
For recurring transfers, I'd suggest using an app or a multi-currency account like Wise.
For large transfers (NZ$10k+) using a broker like OFX is usually the best option.
New Zealand has no instant payment rail, so plan for the money to leave your account slower than you'd expect.
How much you send will affect the best option for you right now, so I suggest .
You can pay for the transfer via bank transfer, debit card, and credit card.
Bank transfers settle in batches a few times a business day, so a Friday evening payment can sit until Monday.
If you and the money transfer company use the same bank, it'll usually settle in seconds.
For your first transfer you'll need a photo ID and proof of address.
Nothing checks the recipient's name against the account number on an international transfer, so make sure to double check it.
3 companies cover NZD/TOP transfers, between them you can send money via broker, online, app, multi-currency account, and global account, and more.
Cheapest way to send NZD
The gap between the cheapest and most expensive way to send money from New Zealand is among the widest in the world, and money transfer companies and apps are usually the cheapest.
Wise charges $399.48 and 3.27% markup on a $10,000 transfer.
This will get you 13,182.09 TOP and it will arrive in within a week.
Best support options
For house purchase abroad, an inheritance or a pension transfer, a broker like OFX charges no fee and adds 0.5% margin, with a real person on the phone dealing with everything end to end.
Also, you can send a small NZD/TOP transfer first to get the feel of the process before sending the rest.
I suggest getting a few quotes from brokers and seeing who's the cheapest.
Living across two countries
If you live between two countries, income in one, mortgage or family in the other, a multi-currency account holds both currencies and converts when you choose.
Wise converts $10,000 at 3.27% markup and holds the TOP until you spend it.
It’s also great for travelling to Tonga and spending it there.
For business payments from NZ
Companies like Wise Business, OFX, or Revolut Business handle business payments, recurring and batch payments, invoicing, and more.
Great for paying suppliers, contractors or staff in Tonga, or getting paid in TOP.
With OFX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $10,000 gives your recipient 14,116.93 TOP.
Pay in NZD by bank transfer, debit card, and credit card.
New Zealand bank payments still run in processing cycles, so allow time for the company to receive the payment before it can process the transfer to Tonga.
The recipient in Tonga can use bank deposit.
To send monye directly to bank account or card, enter the recipient's bank details, account number and account-holder name.
You pay $10,000.00
T$14,117
Cheapest
You pay $10,000.00
T$12,778
-T$1,339
You pay $10,000.00
T$12,714
-T$1,403
Here are a few things to know about money transfers from New Zealand to Tonga.
For a $10,000 transfer to Tonga, these are the current best options you have.
Cheapest
OFX is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 14,116.93 TOP, which is 6.62% more than the next best option.
Fastest
OFX delivers 14,116.93 TOP in 6-12 hours when you pay by bank transfer and the recipient uses bank deposit.
New Zealand reporting entities must report international wire transfers of NZ$1,000 or more to the Financial Intelligence Unit.
It does not mean you need permission or cannot send more than NZ$1,000.
The New Zealand Police guidance on prescribed transactions explains the reporting threshold.
Keep evidence showing where the money came from, particularly for a property sale, inheritance or transfer between your own accounts.
New Zealand bank payments run daily, but the transfer company still needs to receive and match your payment before sending TOP.
Debit-card funding may be confirmed sooner, although it can cost more.
New Zealand abolished gift duty, so there is no New Zealand gift tax simply because you send money to family in Tonga.
Keep a record showing that it was a gift, loan or transfer of your own money because the recipient's tax position can differ.
New Zealand's Depositor Compensation Scheme covers eligible deposits at licensed deposit takers.
It does not cover money after it has been sent to a non-bank transfer company.
The Reserve Bank explains the scheme's scope in a bit more detail.
Exchange-rate margins add up on regular transfers to Tonga. Compare each quote with the recent NZD/TOP range before sending.
Mid-market rate:1 NZD = 1.415763 TOP
Most of our pricing comes straight from the companies, and anything collected by hand is labelled in the table as indicative.
That covers 3 registered financial service providers sending NZD to Tonga, updated in real time on live searches and compared on rates, fees, speed and the ways to pay and collect.
Each goes through our review. Learn more:
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
Advanced filters
Advanced filters
Tailor this money transfer comparison to your needs.
Show companies that support specific transfer features.
Only show providers with user feedback and reviews.
Hide selected providers from the NZD/TOP comparison.
Money Transfer Comparison
Fill in the form and we’ll find you the best rates.
Please share your experience with …